FAQ # 70 Concealed Carry Insurance 

It's like a fire extinguisher in your kitchen, probably never need it, but it's nice to have if you do!

If you're not a former cop or related to a cop it doesn't matter how much you like guns or how conservative you are, if you use it in self defense they will try to put you away every single time. Don't fight them, but don't trust them or talk to them. They DO NOT care about your life or your rights and will not go out of their way to protect either.

I know people who refuse to carry a weapon because they're afraid what will happen to them in the courts and society if they use it, even properly and lawfully. Many would rather get beaten and robbed than deal with the aftermath of legally pulling a gun or even using martial arts. Our right of self defense is being eroded by society, even if we still have the right to carry a weapon.

The most important thing to remember. Keep your mouth shut. Articulate! I want a lawyer. I cannot talk until I talk to a lawyer. You must say I am invoking my right to remain silent. If you just say nothing not talking can be used against you. Do not talk to cops. Do not say anything on a phone that you wouldn't say to a cop. If you call someone tell them where you are and that you need a lawyer. Nothing else. A police station is wired for sound. A police telephone is recorded. A Cop can lie to you. They will not let you go if you talk. You can't just explain.

Here is a section from the USCCA policy that illustrates a problem. 1. Primary Insurance This insurance is primary except when paragraph 2. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in paragraph 2.c. below. 2. Excess Insurance a. This insurance is excess over any other valid and collectible insurance purchased by the “insured”, whether primary, excess, contingent or on any other basis, that applies to an “occurrence” or “covered legal liability” to which this insurance also applies; b. When this insurance is excess, we will have no duty under this Coverage to defend the “insured” against any "claim" or suit if any other insurer has a duty to defend the “insured” against that "claim" or suit. If no other insurer defends, we will undertake to do so, but we will be entitled to the “insured's” rights against all those other insurers. WHAT DOES THIS MEAN? "Primary insurance" pays first, and has the duty to defend, if something happens. "Excess insurance" only pays after the primary insurance pays out their entire policy limits. For example, if you have a homeowners policy with $100,000 limits, that will usually be "primary." If you have a claim of $105,000, your homeowners will pay $100,000 and the "excess" insurance would pay $5,000. If the claim is less than $100,000, the "excess" insurance doesn't even show up. In Paragraph 1, they say that they are the primary insurance, except as stated in Paragraph 2. That is, they promise to pay first. EXCEPT AS STATED IN PARAGRAPH 2. Paragraph 2a says that they are "excess" if you have any other insurance , at all. It specifically states that they are last in line behind every other coverage that might be applied. Paragraph 2b says they have no duty to do anything until your homeowners insurance has already exhausted all of their coverage. That is, if they are ever called to pay anything, they will be last in line. They have no duty to do ANYTHING until every insurance before them is exhausted. All you are really paying for is an increase in policy limits on your current homeowners, renters, or car insurance coverage - with more exclusions and limitations. All such policies will probably have very similar wording. Don't believe me. Take the policy and look for "Primary Insurance". It will be in every policy. The paragraphs may even be the same exact wording. And then, you would go into the other issues and exclusions. See the video by Marc Victor. His comments would apply to most, if not all, such policies with different wording. He doesn't even get into the stuff about who is actually going to pay. Don't believe me. Please. Go ask your own agent to review this coverage and tell you who would pay what if something bad happened.

i really looked around and decided to go with this. added my spouse and son, still less expensive than uscca and nra, thanks for the tip hickok45, love your videos....

Thanks for this one Hickok45. You are still The Man!

I looked long and hard and finally settled on CCW Safe. Seemed to fit my needs the best, regarding coverages.

The drought in Tennessee is worse than I thought!

Quite the change of scenery. I love the desert.

Thanks Grandpa

My CCW Insurance Company is CCW Safe. To me it's like the Life Insurance I have on myself; I hope neither will be used anytime soon.

I chose the Armed Citizen Legal Defense Network too. I've been with them for almost a year and you're right about their info packet they send out to new members. There's a lot of good info in there. I even asked them to send me a few dozen pamphlets so I could pass them out to people at my local public shooting range. They sent them out in about a week and I've already given them all away. I might have to ask them to send me more pamphlets.

I Conceal carry everyday and You know i never considered insurance...Thanks Hickok i will have to read up on it

someone's standing in that bush at the end of your video.

US Law Shield is a great company to be with. Comprehensive legal defense in both criminal and civil proceedings should you be forced to use a weapon. Extremely affordable too!

My wife and I have been members of the Armed Citizen Defense Network for 13 years. We trust Marty, Gila, and their Advisory Board completely. Fortunately, when the Washington Insurance Commissioner chased the other concealed carry entities out of the state, ACLDN fought him and he agreed to allow ACLDN to continue coverage on existing members; but prohibited adding new Washington members.

Ask an Attorney you trust to investigate the validity and viability of any program you are considering.

There goes Mr. Hickok, kicking the can down the road lol.

I ended up going with the USCCA team a few years back. I'm always getting new training literature- Videos-DVd's etc. However they have given me a peace of mind knowing that if I do end up in a self defense situation that all I have to do is call them.

what happened to simply having the 2nd amendment right to bear arms? why does anyone need "insurance" beyond that right?

Armed Citizens' Legal Defense Network is by far THE BEST and THE MOST AFFORDABLE!!!

Thank you for the heads up. Just got my CDs and starting to get that warm & fuzzy feeling. I owe you, thanks again!

When I took my Florida CC class it was taught by a couple of SWAT Deputies. I really liked the class except when the hard sell on insurance came. It really came across as something you HAD to buy. That set my scam alert off. It became pretty clear these guys must get some cut of every policy they sell. We pay a lot of money in our lives for "peace of mind". Whether its homeowners insurance (which mortgage companies require you to buy) or warranties. It's still not clear to me what protections this provides you. If you get into a gunfight and kill or wound a bad guy, an innocent bystander or do significant property damage it seems these companies have a thousand outs to keep from paying.

I decided to go with US Law Shield. They're about $150/year instead of $500 like most of the others and that includes the multi state add-on. The only thing I don't like about them is that they won't pay for bail. The way I look at it, I have enough money for bail and I'll get that money back so long as I follow the rules and show up in court. At first I was considering ACLDN, but I didn't like that they aren't an actual insurance company and they don't define how much over the initial $25,000 they're willing to pay for your defense. I also considered CCW Safe, but they won't cover you if you end up having to defend yourself against somebody you allowed into your home or a family member. None of the companies were perfect, so I just went with the one that met most of my needs and was cost effective.

These intros are hilarious haha "oh hi, caught me playing"

If you shoot someone, I GUARANTEE you that you will get sued. Even if you were 100% justified to shoot someone. Attorney's come out of their holes and will file a multi-million lawsuit against you and make ridiculously false allegations. So I definitely recommend getting insurance like this.

I thought going armed was insurance, so now we need insurance for our insurance? What next? Maybe we could have insurance for our concealed carry insurance.

I'm a member of Self Defense Fund!! They cover you in all 50 states regardless of what weapon you defended yourself with.

I like how you carefully state that. That you like it but it may not be the best. That is how i usually go about things. Telling people this is what i like but do your own research after all if you had to do something and need it you better be the final say in if you need it.....after all you would be in the spot light and not me. Good video and i like how you put it

I actually got the chills when I saw the guy standing in the bush, then thought, "nobody in their right mind would jump two big armed guys like you two". Thanks Hickok. .

I've been a member of ACLDN for 3 years. Great group of dedicated people.

Satisfied ACLDN member here, too. Like Hickock45, I chose them after about a six month semi-exhaustive search.

I chose USCCA. There coverages seem pretty substantial for $30/mo.

I like CCWSAFE. They seem well equipped. They do a pretty good job at relaying information etc...

The best insurance is to be well informed on your states laws covering self defense/use of force. A monetary buffer may be nice in time of need, but if you are found negligent and your justification for self defense doesn't hold up, your coverage won't either.

Wow I've never heard of getting insurance for conceal carry holders. Something i need to look into.

I'm also a member... for many years, and agree with you. Good people at the helm.

People need to check with your house/car insurance company. Some of these companies have firearm insurance that you can combine it with your Auto/Home.

I'm also a member of the ACLDN, and full disclosure, that was before they became a sponsor on the Self Defense Radio Network.

Personally I'm not as concerned about criminal liability as I am civil litigation. The burden of proof is much lower and even if you're "in the right" legally you can lose everything when sued.

The wealth of knowledge housed between Hickok45 and Massad Ayoob could not be overstated, and I am grateful for the information shared with us. I have been considering some sort of insurance or membership for legal services. I want to like the Armed Citizens Legal Defense Network, but I haven't been able to get a warm and fuzzy from them yet. My main concern is from what seems to be vagueness around the membership benefits. They mention "a deposit" paid to an attorney, but how much? Are there caps to what they will payout in the deposit or in total from their fund for a single case, charge, or incident? I understand it isn't insurance, but traditional insurance companies lay it out simply in their policies. With the Network, I don't know if it's a matter of keeping it open for flexibility and a "trust me bro" situation or what the reason is. I personally never trust a "we'll make it right - trust me bro" policy. Maybe they do have strict policies and caps that just aren't shared on their public pages of their sites. If someone could shed some light on this or let me know how I could get these specific details and policies, I would appreciate it. I just don't understand why it isn't explicit and conspicuous on their site.

I have belonged to the Armed Citizen Defense League Network since they started. Researched them all and felt they had your best interest in mind if it is true self defensive incident and you acted lawfully.

Are you aware that with USCCA if you have a self defense case that goes to court and you lose you are required to pay back every dollar they spent defending you? It states this clearly in your policy, which you probably do not have a copy of. Other self-defense insurance companies don’t do that to you.

Kick the can” was actually a game Kids played when he was young

I heard Hickcock say I'm a past video he was a Sherrifs deputy I'm sure he's well aware what happens in the legal system

Armed citizens legal defense is by far the best

Did a great deal of research on all of the options. NRA is probably the worst since their coverage is very low. CCW Safe and ACLDN are the two best I believe.

wtf happened to youtube on phone???

Unfortunately all we can get here in NJ is US Law Shield. But it's actually quite good. And it's not insurance. It's a legal defense fund.

After reviewing the info on their site, I realized that the issues surrounding self defense are a LOT more complex than I had ever imagined, and reading the background of each caused me to conclude the same thing you did. Back to square one to consider this matter!

Like any insurance you don't know how good they are until they say not covered

Good video hickok45, I'm sure there are a lot of new CCW's out there that have no idea this type of Insurance exist....

Thank you for the video. Informative, honest, and done with respect for a wide range of listeners. Like my dad...part II . I'm a better listener now, and a little wiser. I'll get my cheap a** on line today and check on some insurance.

Be polite. Say the least possible to authorities. What you say can and will be used against you. As a retired law enforcement chief even for my self hush up and obtain a good self defense attorney. Depending on the prosecutor and the local culture on self defense you need to be careful how much and when you open up. Police wait 24 hrs before intensive questioning of their own. You need to time for the adrenaline to settle and compose your thoughts also.

USCCA is the best! $30 a month with amazing coverage.

Thanks. Enjoy your videos. The CC insurance I have bought since I retired from PD, is through the NRA. Then there is another through USCCA. Like you unsure which is best. Since I'm an Endowment Life member with the NRA that is the one I chose. Keep up with the good videos! Take care.

carrying concealed without insurance will be costly when u actually have to use your weapon, almost put u in debt to keep out of jail to prove your innocence if the situation was sketchy. I will not hesitate to use my firearm if my life, my family's life and maybe even anothers life is in an actual life/death situation. I'm with Texas law shield. They also offer out of state insurance if u travel.

Exactly and Thanks Hickok, the Armed Citizen Legal Defense Network (ACLDN) is a great organization and well worth your time researching and joining.

CCWSafe is what I use. They're the best according to my research and relatively inexpensive too. The check your permit(s) out and after that you're good to go.

Awesome! I did some homework like you said and will be joining up. You have the best videos thanks!!

What this video needed was a close up in slow motion of that can being obliterated by Hickok's foot.

I'm a member of "Second call Defense" Its comforting to know that if the situation ever occurs that I need to use my firearm and actually shoot someone while defending myself or my family I will have some one in my corner. All of my friends who have firearms have signed up as well. It really is cheap insurance for what they offer.

I keep on kicking the can down the road with this one. lol the truth is, we shouldn't need insurance. You should be allowed to use force if someone comes after you and threatens your life without you being locked up and it should be, you just tell your story and your home with your gun.

Thanks for your input. I have been researching different companies but haven't purchased any yet. I will check out your choice and see how it compares.

Repeal the NFA

I'm with Second Call Defense right now. Sean Maloney is the defense attorney that runs the program and seems to be a higher ranking or at least well respected NRA member. From what I gather, it's a solid program. Hoping I never have to find out but also that if I do, they'll be there for me altogether.

Even with good insurance, it will not cover court costs, that is your responsibility and can go as high as $2,500

the best thing to do is if it's not your life at risk just get out of the way that way no need for INC.

I pay $30 a month through USCCA and it covers over 1 million dollars in attorney fees plus other fees. It's well worth it in my opinion. It doesn't just cover you for gun defense but also if you use a knife, bat, etc.

You are looking good out in the bush of my free State of Arizona. Out here there are lawyers that are affiliated with the NRA/ILA and combined with them and our excellent gun laws I do not feel the need for concealed insurance at all. However I do have free gun insurance from the NRA to cover the loss of my weapons. AMB from Tucson! Every person that owns even one gun should be NRA members.

Basic questions to ask: 1) Are they using the word "insurance" or leading people to believe that it is "insurance"? If so, they need an insurance license. Claiming they are a membership organization and it is a free benefit like their newsletter doesn't cut it. 2) If they have a license, what state is it? They probably don't have any license of any sort. That ought to be a big clue. If it is only Texas, run away. Texas is the worst for regulation. If it is NY, you are on good ground. But NONE of these things are allowed to be sold in NY. That ought to tell you something right there. 3) Are they licensed in your state? If they aren't, then your only remedy for a denied claim is to write them an angry letter. They can tell you to stick it and you have no recourse. 4) Did they claim that they will pay your criminal defense or bail you out of jail? If they did, they are lying. That's illegal under all insurance law. It is a "moral hazard" Insuring someone's criminal defense would make people more likely to commit crime. Therefore, it is illegal everywhere. NOBODY is going to send you a check for thirty grand for a retainer for an attorney when you call them from jail. NOBODY. 5) Do they claim to offer civil liability coverage? If so, then they need an insurance license. Where is it? If so, that's the same coverage you get on your homeowners or renters insurance. You will pay more for it, with no guaranteed payments on claims, and lots of other restrictions than you would through any major national insurance carrier. Furthermore, your homeowners or renters would be the "primary" insurance so -- even assuming that this was real "insurance", they still would not be obligated to pay anything until your homeowners carrier had paid their maximum policy limit. Bottom line, chances that this will result in any actual money in your pocket in times of crisis are close to ZERO. 6) Did they claim that there is no limit on their payouts? If so, see me about a really great deal on some magic beans right now. If there is no limit on payouts, the only explanation could be is that there are no payouts. Call your homeowners or renters agent and ask them about a million dollar general liability umbrella policy. That will get your FAR MORE coverage from a REPUTABLE, LICENSED COMPANY THAT PAYS THEIR CLAIMS.

USCCA!

This is an insurance company's dream. Insurance companies profit models basically consist of far, far fewer people needing to use the insurance than there are people who actually purchase it. With how obnoxiously uncommon it is for a person paying this kind of insurance to A: need to defend themselves, B: need to use a gun to defend themselves, C: Fire that gun to defend themselves, and D: Get sent to jail for having to fire a gun in self defense, what they receive from people buying this insurance has to be almost pure profit. I don't see any point, as a consumer, to purchase insurance like this. It's wasted money. If you're seriously concerned with this then just get a retainer on a good lawyer.

It’s very interesting seeing you, obviously within 100 miles of my house, in Arizona 😎🎩♠️

Thanks for sharing your thoughts.

Thanks for yor comments on ccw. I truly consider You a Truxted Friend.

Joel Persinger of GunGuyTV talked up the idea so much that I looked into it. I went with USCCA based on price and packages offered, but several looked like good companies. It's not a lot of money, but if I ever need it, the insurance will be a big help.

Imagine driving down this road and seeing hickok kicking the can thinking he is a easy target to rob only to realize this the man that taught John wick everything 😂😂

I have uscca, and I will renew it, I don't recommend anyone to carry with out insurance

Thanks for this! I've been considering some sort of coverage for a long time but haven't been able to land on one myself. I'll definitely look into this more.

Thank you for your sharing your research.

DO NOT USE LAW SHIELD DENIED MY CLAIM LOOKS FOR ANY REASON NOT TO PAY

We caught him playing y'all... Got to love Hickok

I thought about it. If I lived in an anti-gun, a state that has a bad track record of going after self defense cases, I'd get insurance. But since I live in a gun friendly, stand your ground state, in a county with one of the most famous right-wing pro-gun, self defense sheriffs in the country, I think I'll be fine without additional insurance.

One more thing about USCCA, They cover any item that you might had to use for self defense. That includes Gun, knife, rock book. It don't matter what the weapon is you are covered.

in all seriousness how do you record in and Texas and tennesee? are these recorded a long time before posting or do you go to texas?

I didn't notice any prices on their site. Need to check them out more I guess. Thanks for the video.

Yay Tucson, lol but in all honestly we NEED a federal statute that explicitly protects the rights of gun owners to have CCW's regardless of where in the states they are. I should be able to travel from Washington to New York to Florida then California without ever having to fear being jailed because of my firearm. This is one of my fears as a Truck Driver, they tend to go to places that are quite shady, having to shut down at questionable stops and never knowing if some guys gonna try to rob them or worse.

any time you need a tire change, jumpstart, or just coffee and donuts i'll be there Hickok, just call.

Some of the company’s don’t cover certain states. So that will narrow down a lot of people’s choices.

What Hickok 45 got is good, but I choose USCCA from 2011 till lately when I switched to CCW SAFE I'd say you pay for what you get, and if you are fortunate you get what you pay for. If the one Hickok 45 has is all you can afford, and it may be enough, get it. ............I can't believe now that I went all those years before 2011 without coverage. Now I'd as soon drive my car without car coverage as carry my gun without coverage. Can cost HUNDREDS OF THOUSANDS of DOLLARS even if you are innocent with an air tight alibi if the prosecutor just thanks you look good as a target, he's political and wants to prosecute gun folks, etc. For about the cost of a gun a year, about $500 or less, you can and will get an incredible amount of defense coverage. Don't carry a gun without it. I never will again.

If it's good enough for Mas and Hickok, it's good enough for me

Tbh people should look at what the insurance covers.. Most of them just provide council. And some say they will bail you out and pay your legal fees but they dont say that its only in certain instances.

A friend of mine is a lawyer in a major metro area known for being a combat zone and with woke city government, although red state government. He says, don't blow your money on that stuff. Instead, spend your money on training so you can handle your weapon expertly and training on scenarios to make sure you understand the law. He also says don't be an a-hole and be smart about where you go and avoid scuffles at all costs. If you do those things the law will inevitably be on your side and you can hire an attorney to seal the deal -- that's if in the odd event the prosecutor decides to charge you after you do all of the above and still end up in a self defense incident. In addition to being a private attorney he's also been a public defender and cop in the past. He carries without concealed carry insurance. I've read that the insurance can be very heavily laden with caveats of what it will and won't cover. Maybe I'm wrong but I think I'll spend that money on range time.

thanks for weighing in on this.

Hickok, as a CCW Holder please check out CCW SAFE and have a conversation with those folks..

Hick: you missed a great opportunity to tell folks to stop kicking the can down the road, and think about insurance.

Great site! I love it! Very informative and info dense.

I wanna see a table full of 50's-80's revolvers right this instant. a 47 minute long video. mostly snub nosed with custom grips. a few 44 mags and a bunch of 38 special. make John get in real close.